Our people – meet the team

Richard Bamford

Managing Director

With over 25 years insurance experience dealing and advising in the healthcare market, Richard has previously worked for a large consultancy firm and held senior positions at medical insurance providers with responsibility for over £250million.


Richardʼs corporate clients have ranged from just 2 to 8000 employees and include six FTSE 100 and four Dow Jones listed companies.


With expertise in services that Citrus provides, Richard offers clients a holistic service and understands how each company medical insurance benefit impacts another.

Claire Horswill

Office Manager

Having worked in the healthcare market since 1997, Claire has previously worked for a large medical insurance provider and 2 consultancy firms.


Her clients include individuals and families as well as businesses covering up to 100 employees.


Claire is knowledgeable, reliable and attentive to her clients medical insurance needs.

Penny Pilbeam

Client Manager

Penny has many years experience in Private Medical Insurance in both the UK and International markets.


Having previously worked for large medical insurance providers, Penny has a wealth of experience and knowledge to support her clients medical insurance needs.

Victoria Kennedy

Client Manager

Victoria joined Citrus Healthcare in October 2015. She has a background in recruitment and has always worked within the financial industry. Victoria brings many years experience dealing with business needs.

Lisa Fryett

Client Manager

Having previously worked for a large medical insurance provider and before that a life assurance company Lisa has a wealth of knowledge in customer service and administration. She joined Citrus Healthcare in March 2016 and is enjoying her varied role managing the needs of our clients.

Jackie Perretta

Office Administrator

Jackie has 26 years experience in customer service and is responsible for administering our clients’ personal policies.


She gives a trustworthy and professional service to all of our clients.